Unexpected expenses out of the blue? Relax. An arranged overdraft ING Cash Reserve gives you the flexibility of an overdraft on your current account of 1,250 euros or more. Just the ticket when you need temporary access to extra funds.
"}},{"componentType":"sectionTitle","title":"All about the arranged overdraft ING Cash reserve"},{"componentType":"productFeatures","highlighted":false,"items":[{"body":"You can withdraw money from your current account, up to the maximum limit allowed by your arranged overdraft ING Cash reserve. It's simple and practical.","title":"Going below zero"},{"body":"You decide the maximum limit on your arranged overdraft yourself, with a minimum amount of €1,250.","title":"€1,250 or more"},{"body":"You decide how quickly you pay back your arranged overdraft*.","title":"Flexible repayment"},{"body":"You only pay the interest on the negative balance. If you do not use your arranged overdraft, you do not pay a thing!","title":"No fees"}]},{"componentType":"paragraph","richBody":{"value":"* With a legal requirement to pay back the full amount at least once per year for reserves up to 3,000 euros, and once every 5 years for reserves over 3,000 euros.
"}},{"componentType":"sectionTitle","title":"Apply for your arranged overdraft"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Request your cash reserve","body":"By completing your personal data, selecting your account and filling in your income and expenses.","textLink":{"url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true","text":"Log in to request your ING Cash Reserve"}},{"title":"Confirm your cash reserve","body":"You'll see online whether your cash reserve has been approved¹, and if so, you'll receive a contract that you can sign. This contract is valid for 20 days."},{"title":"Sign your application and get your cash reserve","body":"You can now sign your application online. Then your cash reserve will be opened (before that, supporting documents may still be required)."}]}},{"componentType":"paragraph","richBody":{"value":"¹ During the opening hours of the National Bank of Belgium's Central Individual Credit Register (Mo – Fri: 6 am – 10.30 pm, Sat: 6 am - 8.30 pm, Sun: 1 pm – 10.30 pm).
"}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true","text":"Log in to request your ING Cash Reserve"}},{"componentType":"sectionTitle","title":"Representative example"},{"componentType":"paragraph","richBody":{"value":"
| ING Cash Reserve of EUR 1,250 | ING Cash Reserve above EUR 1,250 |
| Annual Percentage Rate - APR | 12,50% | 11,50% |
| Nominal Rate | 11,83% | 10,93% |
By way of a representative example, assuming you take out an ING Cash Reserve (private use arranged overdraft) for an indefinite period of 2,000 euros (the average amount granted by ING) to be used via your ING current account, and that you withdraw the full amount of this arranged overdraft by means of a payment (free of charge, using your ING debit card in the euro zone) for a period of 3 consecutive months. Taking into account a debit interest rate of 10.93% per year (rate valid on 16/09/2025 and variable, before and after subscription, subject to prior information), a monthly repayment of the interest due and a repayment of the balance due three months after subscription of the credit, you will repay a total of 2055.10 euros after 3 months. The annual percentage rate of interest (APR) is 11,5% (rate valid on 16/09/2025 and variable, before and after subscription, subject to prior notice). The existence of other methods of debiting for this type of credit may result in the application of higher annual percentage rates.
"}},{"componentType":"accordion","accordionList":[{"title":"A cash reserve so you can go overdrawn","richBody":{"value":"The arranged overdraft ING Cash reserve is linked to your ING current account. It enables you to go overdrawn on your current account up to a maximum approved amount.
Are you a private individual aged 18 or over? Do you hold a current account for your personal use? If so, you can apply for an arranged overdraft now, and manage your budget with greater flexibility, particularly when unforeseen expenses strike.
"},"textLinks":[{"url":"/en/individuals/daily-banking/compare-bank-accounts","text":"ING current accounts"}]},{"title":"What interest will I have to pay, and how do I make repayments?","richBody":{"value":"You only pay interest on any negative balance. You set up a arranged overdraft but you never overdraw your account? Your arranged overdraft will not cost you a thing!
And repayments? You decide when and how much to repay yourself. You can therefore manage the reserve at your own pace. The only restriction: your arranged overdraft ING Cash reserve is legally required to be paid off in full at least once a year, for amounts of 3,000 euros or less. Above this level, full repayment of the negative balance on your current account must be made once every 5 years.
"}},{"title":"Term, fees and charges","richBody":{"value":"When you open your arranged overdraft, you choose:
You are then free to withdraw money from your current account until you reach the maximum limit of your arranged overdraft ING Cash reserve.
"},"textLinks":[{"url":"/en/individuals/daily-banking","text":"ING current account"},{"url":"/en/individuals/daily-banking/current-account","text":"ING Do More"},{"url":"/en/individuals/daily-banking/online-bank-account","text":"ING Do Basic"}]}]},{"componentType":"sectionTitle","title":"Services and contacts"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Credit cards selector","intro":"Find the card that suits you!","image":{"transformBaseUrl":"https://assets.ing.com/transform/36152b13-751e-4e60-9e02-3c67e99ebfdb/Cards-transfer_Outline_RGB","type":"image","width":267,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/248ac75a915ee31/original/Cards-transfer_Outline_RGB.png","extension":"png"},"link":{"url":"/en/individuals/credit-cards/compare-credit-cards"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"View all your loans in one place?","intro":"Consult your lending overview via Home'Bank.","image":{"transformBaseUrl":"https://assets.ing.com/transform/b633ace9-986f-4317-bf25-124f5c521257/Tools_Outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/42ce252cfd175923/original/Tools_Outline_RGB.png","extension":"png"},"link":{"url":"https://ebanking.ing.be/banking/overview"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Credit cards selector","intro":"Find the card that suits you!","image":{"transformBaseUrl":"https://assets.ing.com/transform/36152b13-751e-4e60-9e02-3c67e99ebfdb/Cards-transfer_Outline_RGB","type":"image","width":267,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/248ac75a915ee31/original/Cards-transfer_Outline_RGB.png","extension":"png"},"link":{"url":"/en/individuals/credit-cards/compare-credit-cards"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Personal loan","intro":"Installment loan for purchases like holidays, events, or unexpected expenses.","image":{"transformBaseUrl":"https://assets.ing.com/transform/e708abd7-9868-4dcc-9d3b-36584366bbb8/Large_MS_PPT_Web-Celebration-814x360","type":"image","width":814,"original":"https://assets.ing.com/m/159f4fb75a210b0f/original/Large_MS_PPT_Web-Celebration-814x360.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/personal-loan"},"promotionalLabel":{"labelType":"commercial","body":"Cashback"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"The ING Cash Reserve is an arranged overdraft for personal use. Offer reserved for natural persons over 18 and subject to prior acceptance of your application by ING Belgium and to mutual agreement. General conditions for ING loans are available from any ING branch and on www.ing.be.
Legal information related to advertising on this product
The amount that you are likely to be able to borrow, as stated in the advertising message, is communicated for information purposes only. Neither the granting of the loan nor the aforementioned amount are guaranteed by ING Belgium. To determine the amount thus simulated, we took into account a set of data currently known to ING, in particular: your financial situation (i.e. your income and any extra-legal benefits as well as your expenses on your ING accounts as well as your savings, loans and investments with ING), your personal and family situation known to ING (in particular, your age, your personal status, your dependents) and the fact of exercise an independent activity. On the other hand, it is not required to provide the following information (which will be requested and/or verified in the event of a credit application on your part), in particular: your professional situation, the type of residence you occupy, other expenses or income not known to ING or futures, your savings and investments with ING, as well as credit data with third parties consulted with the National Bank of Belgium.
This advertising message, which concerns an arranged overdraft for private purposes subject to consumer credit legislation, does not constitute an offer of credit. It is intended exclusively for natural persons of legal age and any request for credit is made subject to prior acceptance of your file by ING Belgium and mutual agreement. The general conditions and rates for this loan are available from all ING branches and can be consulted on www.ing.be (section 'Rates and regulations'). Your request and the possible approval of your request by ING (after examination of your file by ING) in a branch or through the 'Consumer Loans Online' service on www.ing.be, do not commit either ING or yourself, as long as you have not signed a credit agreement at your ING branch or, in the case of an online request, as long as you have not returned the signed credit agreement (after prior approval of your file by ING) to ING, where it is checked beforehand whether the data provided in the request are accurate and complete (among other things, on the basis of the documents submitted or to be submitted).
Legal information related to the loan provider
ING Belgium S.A./N.V.– Bank / Creditor – Registered office: Avenue Marnix 24, B-1000 Brussels
"}}]}}}